Providian: Major advantage: frequent credit line increases. Drawbacks: high interest rate and a whopping 5% cash advance fee, lack of grace period, no online banking (except aria customers) but a Providian representative did tell me that the bank expects to offer on line banking to all customers by the end of the year. Customer service: uneven. some of the reps. can be arrogant and rude. Solution: hang up and call back. Odds are good you will find a decent human being. Speak to a supervisor if necessary. Supervisors will frequently override the limitations that the initial handler says he/she can do nothing about. Capital One: Advantages: convenience checks on some accounts, on line account services. Drawbacks: high interest rate, payment must be posted by the date shown on the statement (trap for a late fee). You can compensate for this by paying on line. Very conservative about granting credit limit increases and unsecuring accounts. Customer service: very professional Orchard Bank: Advantages: lowest interest rate among the three. Allows seven days (more or less) after the due date for payment to post without late fee. Bank grants regular credit line increases. On line services. Negotiable about waivers of annual fees and interest rate reductions. Disadvantages: none Customer service: excellent. friendly staff.